Jump to Navigation

Debt Relief: Alternatives to Bankruptcy

Bankruptcy Alternatives

Although bankruptcy is an appropriate solution for many people facing debt problems, it is not the best option for everyone. For example, you may wish to consider negotiating with your individual creditors to achieve a more reasonable payment. This avenue is usually not very effective unless the creditor is truly willing to offer a reasonable repayment schedule that you can meet. You often have very little leverage in these types of negotiations.

Another alternative would be to seek the assistance of a family member who is able to provide the financial wherewithal necessary to relieve your debt pressures. If you own real estate, this might be more appropriate. You want to be very careful in choosing this approach because the mere asking might affect family relationships for years to come.

Our firm counsels individuals about their alternatives but we do not negotiate with creditors. Our mission is to use the U.S. Bankruptcy Court as leverage to protect you and your property. If you have debt problems and cannot find a solution on your own, speak with an attorney who can advise you of your rights and present options you may not have considered. Our firm has helped thousands of people confront the stress and worry of unmanageable debt.

Whether your problem is a home mortgage you can no longer afford, a car payment you can’t pay or credit card debts that have become unbearable, we can help. We are pleased to offer our services to people throughout Orange County, Los Angeles County, Riverside County and San Bernardino County. To contact our law office, call 800-300-4648, or contact us by e-mail.

Is Bankruptcy the Answer for Me?

At your free consultation, we can discuss options to remedy your debt challenges. If you want to learn about bankruptcy, we are pleased to offer our assistance. Attorney David R. Gunnin has been helping people find solutions to debt challenges for nearly 30 years.

At your consultation, Mr. Gunnin can discuss with you the many debt relief alternatives that are available to you in addition to Chapter 7 and Chapter 13 bankruptcy. By providing a wide range of services, we are better able to provide a solution that is best for your individual circumstances.

Contact Us

To speak with a lawyer about bankruptcy, debt consolidation and bankruptcy alternatives, contact the Law Offices of David R. Gunnin.